Blue Collar Business Podcast

Ep. 46 - Cash Flow Clarity: Funding Big Jobs Right


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The most successful construction business owners know a secret that others learn the hard way: understanding cash flow is the difference between thriving and barely surviving. In this powerful conversation with Scott Peper, CEO of Mobilization Funding, we unpack why so many blue-collar businesses show healthy profits on paper but struggle with empty bank accounts in reality.

Scott brings thirteen years of experience financing specialty contractors and analyzing thousands of construction cash flows to explain why the construction industry faces uniquely challenging cash flow cycles. He walks us through the perfect storm that occurs when expenses accelerate while payments drag, and delivers a masterclass on the critical difference between margin and markup that every contractor must understand.

You'll discover why adding a 10% overhead allowance and 10% profit can actually leave you with negative cash flow during project execution once retainage is factored in. We also explore why commercial construction projects create such intense cash flow pressure and how to prepare your business before taking that next big job.

The heart of our discussion focuses on practical solutions: finding industry-specific financial professionals, implementing proper reporting systems, building redundancy in your crews, and most importantly, giving yourself grace during the growth process. Scott shares the profound advice to "treat your business like a baby," prioritizing its needs and protecting its growth without expecting immediate returns.

Whether you're just starting out or working to scale your blue-collar business, this episode provides the framework and information you need to make better financial decisions. Stop guessing about your numbers and start building the foundation that will support your business for years to come.

Ready to gain control of your cash flow and transform your business? Hit subscribe, share this episode with a fellow contractor who needs this wisdom, and implement these strategies to build a financially sound future.

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Blue Collar Business PodcastBy Sy Kirby

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